Episodios

  • 10 Ways To Avoid The Inheritor’s Dilemma

    10 Ways To Avoid The Inheritor’s Dilemma
    Jan 6 2026
    Kicking off season 3 of It’s All Money with a special double-episode answering what seems like an obvious question- is inheriting money a good thing?
    Well...maybe.
    In the next 20 years, the largest wealth transfer in the history the USA is about to take place. Whether giving or receiving...are you prepared? Do you have a plan?
    Sonoma Wealth Marketing Director Dano Weir and Managing Principal Daren Blonski examine 10 ways to avoid The Inheritor’s Dilemma:
    • Why are emotions the first piece to address in an inheritance plan?

    • What are the risks of co-mingling assets?

    • Does this mean you need professional tax help now?

    • What skills do you need to keep inheritances from becoming a ‘curse’?

    • What’s more valuable than ‘stuff’ ?

    We hope you enjoy this practical and grounded look at a complicated part of life.

    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/
    Video available on our YouTube Channel: https://youtu.be/_WECTSDfebk


    References
    https://sites.lsa.umich.edu/mje/2025/04/03/the-great-wealth-transfer-and-its-implications-for-the-american-economy/
    https://www.statista.com/statistics/296974/us-population-share-by-generation/?srsltid=AfmBOopU4fUfrw8KMLku4bNUy-P0JCKGNr-VzwKlooHwLvRFdqLqqBct
    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
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    57 m
  • How The Glen Ellen Star Won 12 Straight Michelin Bib’s

    How The Glen Ellen Star Won 12 Straight Michelin Bib’s
    Dec 16 2025
    Following an unbelievable 12th straight Michelin Bib Gourmand award, host Dano Weir had to track down Chef Ari Weiswasser and Managing Partner Spencer Waite of the Glen Ellen Star restaurant for an episode of It’s All Money. Just what is a Michelin Bib Gourmand award? How is it different from a Michelin Star? Awards are amazing, but they only happen with great food and great people. What early decisions and values both in and out of the kitchen have led to their business success? How did success at Glen Ellen Star lead to the opening of their second restaurant, Stella in Kenwood? ....and is a mystery third restaurant coming to Sonoma proper soon? How is opening a restaurant from scratch different than opening a restaurant with investors? How have changing food and labor costs over the past decade-plus shown up in the menu? How does having 1 night a week with no corkage actually result in more full tables? Whether you’ve been and loved the Glen Ellen Star or you’re looking to learn about it for the first time, we hope you find business insight and maybe get a little hungry from episode 28 of It’s All Money! Learn more about both restaurants here: https://www.glenellenstar.com/ https://www.stellakenwood.com/ Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/ Video available on our YouTube Channel: https://youtu.be/cf8rv_FKqLU References: https://www.glenellenstar.com/ https://www.stellakenwood.com/ Credits: Host: Dano Weir Production: Fours Media Voiceover - Joan Elloway-Nash Music – Dr. Delight on Soundstripe ________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
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    1 h y 4 m
  • What The Gold?!

    What The Gold?!
    Nov 1 2025
    It’s one of the oldest "stocks" ever...GOLD. It’s over though, right? That’s the late-night TV infomercial stuff? Your grandpa had it in a safe but you’re living in the future and everything’s digital now? ...right? Then why’s it up 43% this year, and 105% in the last 5 years? Stock or not, shouldn’t your advisor be aware of an asset soaring like that? This week on It’s All Money, hosts Dano Weir and Daren Blonski CFP® sit down with Jason Bowman from Napa Gold and Silver, for an insider’s take on what’s happening in the precious metals market. What could be behind this meteoric rise? How long will it last? How is gold purchased? How is it held? When does a gold ETF make sense for a portfolio? If you have gold lying around, can you really turn it into cash? Wait, would you want to if you could? While you won’t find us giving out a 1-800 number any time soon, the rise in gold has been too significant to ignore. This educational episode aims to address the gains, and how or if it makes sense for a diversified portfolio. Learn more about Jason, here: Jason Bowman owner of Napa Gold and Silver https://napagoldandsilver.com/ If you’d like to learn how we help thousands of people retire and stay retired, take our Free Wealth Analysis right here: https://sonomawealthadvisors.com/ Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ Audio also available on Apple Podcasts https://podcasts.apple.com/us/podcast/on-the-markets/id1802984526 Spotify https://open.spotify.com/show/2YqyNLN7mcBApS5RL2piAj Sources: https://seekingalpha.com/article/4828510-gold-miners-outperforming-ai-chip-stocks-this-year https://www.reuters.com/article/business/timeline-golds-history-as-a-currency-standard-idUSTRE6A71J1/ https://www.stlouisfed.org/open-vault/2022/oct/ghost-bretton-woods-global-economic-system https://www.presidency.ucsb.edu/documents/executive-order-11825-revocation-executive-orders-pertaining-the-regulation-the?tblci=GiBdY-MYH1-nD-WW6UXCXAtHBPIEdPpDc50r48qPeOICrCDKuWUow8jry8SFw-EvMLzYPQ https://goldprice.org/gold-price-history.html https://www.herobullion.com/are-olympic-medals-real-gold/#:~:text=Here's%20What%20Olympic%20Medals%20Are,treasure%20commemorating%20the%20Olympic%20games. _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
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    1 h y 10 m
  • Crypto Goes Legit?

    Crypto Goes Legit?
    Sep 27 2025
    First came seashells, then gold, then paper, and now, hold your breath, crypto.
    That last one is hard to swallow because of it’s mysterious, scandalous, and in one case truly unknown origin. But like it or not, crypto is becoming a part of the world outside your friend’s boyfriend’s cousin’s basement.
    On this episode of It’s All Money, Sonoma Wealth CEO Daren Blonski CFP® and Marketing Director Dano Weir look at the real-world proof that crypto is going legit.
    • Major trading firms which offer crypto investments.

    • Countries with strategic bitcoin reserves.

    • Crypto can now be equally considered as an asset for a mortgage.

    • What is the GENIUS act?

    • Athletes who’ve been paid in crypto.

    What’s the future hold? No one can say for sure. As a firm, it’s our job to watch trends in the industry and report back to you. Despite it’s history, crypto is showing more and more signs of legitimacy. We hope you found this episode at the very least educational.

    If you’d like to learn how we help thousands of people retire and stay retired, take our Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Video available on our YouTube Channel: https://youtu.be/yUPEVRtNF7M


    Sources:
    https://www.npr.org/2025/07/17/nx-s1-5451413/crypto-week-stablecoin-genius-act-trump

    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    20 m
  • 8 Secrets Learned Retiring Thousands

    8 Secrets Learned Retiring Thousands
    Sep 10 2025
    (00:00:00) 8 Secrets Learned Retiring Thousands
    (00:02:16) Don’t retire away, retire to something
    (00:06:19) The go-go years, the slo-Go years, and the no-go years
    (00:11:40) People are living longer
    (00:18:26) Social Security isn’t designed for retirement
    (00:22:09) Everyone gets along until you die
    (00:24:46) Buy memories, not things
    (00:27:31) Checks and balances
    (00:30:37) SOMEthing physical

    Roth! Not Roth! Bonds! Social Security timing!
    Financial advisors yapping about retirement all seem to hit the same 4 topics, don’t they? What about the rest of the story?
    For advisors with eyes, there are details and secrets that fall between the cracks, that can have a huge impact on how you experience your retirement, outside of your portfolio. On this episode of It’s All Money, CFP® and Sonoma Wealth CEO Daren Blonski shares 8 secrets he’s learned retiring thousands of people in Northern California:

    2:17 Don’t retire away, retire to something
    6:19 The go-go years, the slo-Go years, and the no-go years
    11:40 People are living longer
    18:26 Social Security isn’t designed for retirement
    22:09 Everyone gets along until you die
    24:46 Buy memories, not things
    27:31 Checks and balances
    30:37 SOMEthing physical


    We hope you enjoy these insights from our experience. If you’d like to learn how we help thousands of people retire and stay retired, take our Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Video also available on our YouTube Channel: https://youtu.be/JGcRKFBzpbg


    Sources:
    https://www.statista.com/statistics/1040079/life-expectancy-united-states-all-time/
    https://ourworldindata.org/life-expectancy-globally
    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    38 m
  • From The Ritz To Cotati: The Amazing Business Story Of Acme Burger

    From The Ritz To Cotati: The Amazing Business Story Of Acme Burger
    Aug 21 2025
    It’s 2025! Every business is Robots! Franchises! CORPORATE!
    ...then how is an upstart local restaurant with humans expanding from 1 to 5 locations in under 6 years? Through a global pandemic? In one of the world’s most highly competitive restaurant markets? On the back of good ol’ burgers and fries?? 🍔🍟🥤
    This week on It’s All Money, we sit down with Erica and Todd Kniess of Sonoma County’s own Acme Burger. Why would a former Ritz Carlton chef choose burgers for his biggest business venture? What organizational structure did they implement to ensure happy, motivated staff? Why does offering families a place to “drop your shoulders” turn into real revenue? How did a chance meeting in Bodega turn into a profitable growth opportunity for 2 businesses? Why does community and quality matter to them before dollars?
    Join us for the first in-depth interview about this incredible Sonoma County success story (and yes, some delicious Burger footage!), RIGHT HERE on YouTube.

    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ


    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    44 m
  • Why Bitcoin Is Different Than Other Cryptos

    Why Bitcoin Is Different Than Other Cryptos
    Jul 23 2025
    Imagine 17,134 grains of sand in zen garden sand box. ONE is an absolute winner. Could you pick it? Could you pick it from a much smaller box of 534 even?
    That’s essentially cryptocurrency right now. Dismissing cryptocurrency is a logical reaction and yet- would you believe as an asset class, if all of crypto were on the Fortune 500, it would be a top 10 company by market cap? Bigger than Berkshire Hathaway? Bigger than Tesla? Bigger than Visa?
    That's a lot to fathom. So our own Daren Blonski CFP® is here to share his take on the crypto space right now, with 4 key reasons he believes Bitcoin has stood out from everything else and will continue to do so.
    This episode is for educational purposes only, focused on explaining some of the realities of this still relatively-new asset class, which has become too big to ignore.

    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/

    Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ


    References:
    https://tangem.com/en/blog/post/how-many-cryptocurrencies-exist/
    https://www.forbes.com/digital-assets/crypto-prices/?sh=7a54f0bb2478
    https://explodingtopics.com/blog/number-of-cryptocurrencies

    _______________________________________
    Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.
    The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.

    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    39 m
  • 4 Strategies When Interest Rates Won’t Drop

    4 Strategies When Interest Rates Won’t Drop
    Jul 3 2025
    We’re in year 3 of interest rates being basically 2-4x what they were the prior 3 years. Just this past month, June 2025, Fed Chair Jerome Powell said “For the time being, we are well positioned to wait to learn more about the likely course of the economy before considering any adjustments to our policy stance.” In other words, NO. At Sonoma Wealth, we plan toward potential futures and outcomes in finance, but also help clients operate under current circumstances. Life doesn't stop for some desired future. If interest rates remain high, how can you adjust? Or even take advantage? In this INTERESTing episode of It’s All Money, we look at 4 strategies to employ when interest rates won’t drop. What’s the root cause of credit card debt? Are you over your skis on your real estate? Why is now a great time to maximize cash? What assets thrive in the market in a high interest rate environment? We hope you or someone you may know impacted by interest rates will find this episode helpful! 6:31 What even are “Interest Rates”? 16:33 #1 – Get Your Debt Under Control 23:18 #2 – Be Honest About Real Estate 31:03 #3 – Maximizing Cash 34:40 #4 – What To Do In The Market Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/ Find Dave Ramsey’s 7 Baby Steps here: https://www.ramseysolutions.com/dave-ramsey-7-baby-steps?gad_source=1&gad_campaignid=197939186&gbraid=0AAAAAD_Z1jz_u9Wufbx-LeZd6wPX3_8JO&gclid=Cj0KCQjw1JjDBhDjARIsABlM2StVhZVGEWej9f0v_akCLuogJdVE26et1rgrDkVZerD_8WFTj8_8EsQaAileEALw_wcB Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ References https://abcnews.go.com/Business/americans-credit-card-debt-reaches-new-record-high/story?id=118788620 https://www.axios.com/2025/03/07/car-loan-payment-delinquencies-record-high https://www.macrotrends.net/2015/fed-funds-rate-historical-chart https://www.nerdwallet.com/article/banking/historical-cd-rates https://apnews.com/article/interest-rates-federal-reserve-trump-inflation-df5b9ac09f0cd283797c6c294a98da9c https://www.nerdwallet.com/article/finance/data-2023-budgeting-report https://www.federalreserve.gov/newsevents/testimony/powell20250624a.htm _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Más Menos
    44 m
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